SME ธุรกิจที่มียอดขาย ไม่เกิน 500 ล้านบาท ต่อปี
CORPORATE ธุรกิจที่มียอดขาย เกิน 500 ล้านบาท ต่อปี
To enhance liquidity, with O/D paid directly to suppliers without using cheques
For your smooth pace of cash flow
O/D line for bill payment without the requirement of cheques made payable to suppliers. In utilizing the line, the credit applicant in his/ her capacity as the buyer must transfer payments to suppliers as specified in the credit line application procedures.
| Documents | For individuals | For juristic persons | ||
| Borrower/Co-borrower | Guarantor/ Spouse | Juristic person | Authorized signatory / shareholder with over 30% shareholding | |
| Copy of identity card |  |
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| Copy of house registration | |
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| Copy of statement from financial institution over the past 6 months | |
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| Copy of title document regarding collateral | |
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| Copy of personal income tax certificate | |
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| Copy of business license | |
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| Copy of marriage/ divorce certificate (if any) | |
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| Copy of certificate for change of name/ family name (if any) | |
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| Copy of sale contract, or copy of deposit payment contract on goods or assets (if any) | |
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| Certificate of incorporation of partnership/ company of not over 3 months from the date of the document submission | |
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| Company’s memorandum and articles of association |
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| List of shareholders of not over 3 months from the date of the document submission | |
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| Minutes of the meeting which is not over 3 months from the date of the document submission of the juristic person, with approval resolution passed for credit application and/ or account opening with TMB | |
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| Registration of Company‘s seal (BorOrJor.3) | |
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| Copy of tax ID card | |
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| PorPor.3 Form over the past 3 months | |
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| Financial statements over the past 3 years | |
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| Letter of consent for disclosing the result of Credit Bureau Report | |
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| Additional documents required if applying for TMB SME Purchasing O/D | ||||
| Tax invoices or supplier’s invoices* at least over the past 3 months | |
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| Copy of supplier’s bank statement and account number to which payment is to be transferred and must be certified by the issuing bank | |
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*Sellers must not be subsidiaries of loan applicant and must have mutual selling/buying transactions for at least 6 months.
Note: The Bank may request additional documents as deemed appropriate. The Bank reserves the right to approve loans and interest rates as per its regulations and criteria.
| Collateral types | Interest Rate |
| Immovable properties (land, land and construction) placed as collateral of up from 30% of credit line | Minimum rate of MOR – 1.0% |
| Deposit account, B/E, and treasury bill placed as collateral of up from 30% of credit line | Minimum rate of MOR – 1.5% |
| Clean credit, or collateral placed is less than 30% of credit line | Minimum rate of MOR + 3.5% |
| Collateral types | Interest Rate |
| Immovable properties (land, land and construction) placed as collateral at 100% of credit line | Minimum rate of MOR – 0.5% |
| Deposit account, B/E, and treasury bill placed as collateral at 100% of credit line | Minimum rate of MOR + 2.0% |
